June 2014

Every year, the "wicked smart" people at MoneyGuide Pro update the asset class return statistics. Then, they conduct a review of the returns and correlation data to determine if the model portfolios need to be adjusted. This year there are significant changes - especially in the bond allocations.

If you are not already scheduled to look at rebalancing your existing portfolio, this summer would be a good time to take a look at the impact that these new allocations would require.

I will be trying to keep a limited schedule this summer. Beginning June 23, I will not be meeting with clients on Mondays. The rest of the week client appointments will start at 11:00 AM. On Friday, the last appointment will be at 2:00 PM.

Please use Doodle to schedule

Top 10 Tax Breaks You'll Miss in 2014
While it's possible that Congress could retroactively extend some or all of these ten provisions, you'll have to evaluate your 2014 tax situation based on the fact that they're no longer available.   More Details


Personal Finance Tips for New Graduates
You've marched along to Pomp and Circumstance and collected your diploma--now you are ready to finally head out on your own.

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Financial Choices: College, Retirement, or Both?
It's the paramount financial conflict many families face, especially as more couples start having children later in life. Should you save for college or retirement? The pressure is fierce on both sides.

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Are con artists adopting trendy twists on old scams?
Con artists may base scams on trendy topics or threats, but they still use old-school techniques to try to get important information or money.

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What is duration, and why should I pay attention to it?
If you have bond holdings in your portfolios, you may want to pay attention to duration to gauge the potential impact if and when interest rates rise.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2014.

I© PennyTree Advisers, LLC 2014